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Step 1: Buy a product from istyle.ae or an iSTYLE store. The minimum purchase amount for converting to an installment plan is AED 1000 for most banks.
Step 2: Once your order is completed, you will immediately see the complete amount being debited from your credit card.
Step 3: Once you've completed your purchase, please contact your bank using the phone number below to convert the purchase into the preferred installment plan.
Step 4: Following a span of 1-3 days (subject to your bank's policies), your bank will convert this into an installment.
Step 5: Your credit card limit will be reduced by the order amount. For example, if your card limit is AED 10,000 and you have purchased items worth AED 6,000, the card limit will reduce to AED 4,000. If you convert this AED 6000 to a 6-month installment plan, the bank will charge you AED 1000 every month and upon payment of each EMI, your card limit will increase accordingly, till you complete the AED 6000 payment in 6 months to the bank.
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*ADCB:
▸ One-time processing fee of AED 50 per transaction, for 3 or 6 months applicable on 0% Installment Plan
▸ Minimum purchase AED 1,000
▸ Call on 600 50 2030
*ADIB:
▸ No Processing Fee to convert to EPP
*CITIBANK:
▸ 1% of the transaction amount will be charged as one-time processing fee.
▸ Minimum purchase AED 1,000
▸ Call on 04 311 4000
*Dubai Islamic Bank
▸ Minimum purchase AED 500
▸ No Processing Fee to convert to EPP
▸ To avail, SMS ‘ZERO’ to 4224
*Emirates NBD:
▸ One-time processing fee of AED 49 per transaction applicable on 0% Installment Plan.
▸ Minimum purchase AED 1,000
▸ Call on 600 54 0000
*Emirates Islamic:
▸ No Processing Fee to convert to EPP
▸ 0% interest
▸ Minimum purchase AED 500
▸ Call on 600 599995
*First Abu Dhabi Bank (FAB):
▸ One-time processing fee applicable 3 months - 1% | 6 months - 2% | 12 months - 4% of the total transaction amount.
▸ Apply for 0% EPP through FAB Mobile App or FAB Internet Banking
▸ SMS ‘EPP’ to 2121
▸ Minimum purchase AED 500
▸ Call on 600 52 5500
*HSBC:
▸ No Processing Fee to convert to EPP
*Mashreq Bank:
▸ One-time Processing fees of 1% for 3 and 6 months and 3% for 9 months is applicable.
▸ Early cancellation fees will be applicable.
▸ Minimum purchase AED 1,000
▸ Call on 04 424 4444
*RAKBANK
▸ RAKBANK will charge a one-time processing fees to the customer (RAKBANK Credit Cardholder) at the time of booking however the equated monthly instalment (EMI) will remain 0% interest throughout the desire tenure
▸ Processing Fees: 3 months: AED 49 | 6 months: AED 49 | 9 months: 1.5% of the total transaction amount | 12 months: 2.0% of the total transaction amount
▸ Please note that 0% EPP program is valid to all RAKBANK Credit Cardholders except on RAKislamic Credit Cardholders, this limitation is based on “Sharia Law”. Distinguishing factor on the Credit Card is the word “RAKislamic or AMAL” along with the Arabic logo embossed in the Card.
▸ Minimum purchase AED 1,000
▸ Call on 042 13 0000
The 0% installment payment plan offers several benefits, including:
✓ Affordability: The 0% installment payment plan makes it more affordable to purchase an Apple product. You can spread the cost of the product over several months, making it easier to fit into your budget.
✓ Flexibility: The 0% installment payment plan offers flexibility. You can choose the length of the payment plan that best suits your needs, for example if you would like to split your payment for your new iPhone, you could do so in 3 months, 6 months or even 12 months.
✓ No interest: The 0% installment payment plan does not incur any interest. This means that you will not pay any extra money for the product over time.
✓ Be at least 18 years old
✓ Be a resident of the UAE and have a valid emirates ID.
✓ Have an eligible credit card with one of the above banks
✓ Have a sufficient limit on the eligible credit card